If you have an HSBC credit card, there is another travel portal you should probably check before booking your next flight or hotel.

It’s called Travel with Points, and it is HSBC’s travel portal powered by Hopper.

The interesting part is not just that you can book travel through it. HSBC offers accelerated reward points on bookings made through the portal, and the actual reward rate can be quite impressive depending on your card.

There is also a Best Price Guarantee, although it is now capped at ₹1,500 per booking.

So, is HSBC Hopper worth using? Let’s look at the numbers.

TL;DR

• HSBC Travel with Points is HSBC’s travel booking portal powered by Hopper.
• You can book flights, hotels and car rentals through the portal.
• Five HSBC cards currently get accelerated rewards:
  • HSBC Privé
  • HSBC Premier
  • HSBC TravelOne
  • HSBC Visa Platinum
  • HSBC RuPay Platinum
• The actual points earned are different because the cards have different base reward rates.
• HSBC’s Best Price Guarantee is capped at ₹1,500 per booking.
• You should still compare Hopper’s final price with the airline, hotel or other travel portals before booking.

What is HSBC Hopper?

HSBC Hopper is essentially HSBC’s travel booking platform, officially called Travel with Points.

It is powered by Hopper and sits inside HSBC’s Rewards Marketplace.

You can use it to search and book:

• Flights
• Hotels
• Car rentals

The reason HSBC cardholders should pay attention is the accelerated reward structure.

When you pay for an eligible booking using an eligible HSBC credit card through Travel with Points, you can earn additional reward points based on the card and type of booking.

And this is where things get interesting.

The 6X and 12X Numbers Can Be Misleading

HSBC advertises the portal as offering:

• Up to 6X on flights
• Up to 12X on hotels
• 2X on car rentals

But don’t compare the cards just by looking at the multiplier.

The reason is simple: each HSBC card has a different base reward rate.

For Great.cards, the more useful number is therefore the actual Reward Points earned, rather than just the X multiplier.

HSBC Hopper Reward Rates

Here is how the rates work out for each card.

Card	Flights	Hotels	Car Rentals
HSBC Privé	30 RP/₹150	40 RP/₹150	10 RP/₹150
HSBC Premier	18 RP/₹100	36 RP/₹100	6 RP/₹100
HSBC TravelOne	16 RP/₹100	24 RP/₹100	8 RP/₹100
HSBC Visa Platinum	8 RP/₹150	12 RP/₹150	4 RP/₹150
HSBC RuPay Platinum	8 RP/₹150	12 RP/₹150	4 RP/₹150

Important: The numbers above are the accelerated reward rates derived from each card’s underlying reward rate and HSBC’s Travel with Points multiplier.

HSBC currently advertises 6X on flights for Privé/Premier and 4X for other eligible cards. For hotels, the corresponding rates are 12X and 6X. Car rentals earn 2X.

HSBC’s current published card rates include 3 RP/₹100 for Premier, 4 RP/₹100 on eligible travel spends for TravelOne, and 2 RP/₹150 for Visa Platinum and RuPay Platinum cards.

Why this matters

Look at TravelOne and Visa Platinum.

Both receive 6X on hotels through Travel with Points.

But:

TravelOne: 24 RP/₹100

Visa Platinum: 12 RP/₹150

So saying “both earn 6X” without mentioning the underlying earn rate doesn’t tell you much about how many points you’re actually getting.

How Much Can You Earn?

Let’s take a ₹50,000 hotel booking.

a) HSBC Privé

At 40 RP per ₹150:

₹50,000 ÷ ₹150 × 40 = 13,333 Reward Points

b) HSBC Premier

At 36 RP per ₹100:

₹50,000 ÷ ₹100 × 36 = 18,000 Reward Points

c) HSBC TravelOne

At 24 RP per ₹100:

₹50,000 ÷ ₹100 × 24 = 12,000 Reward Points

d) HSBC Visa Platinum

At 12 RP per ₹150:

₹50,000 ÷ ₹150 × 12 = 4,000 Reward Points

This is a good example of why the underlying earn rate matters.

A “6X” hotel multiplier does not mean every HSBC card earns the same number of points.

e) HSBC RuPay Platinum

At 12 RP per ₹150 this card would earn:

₹50,000 ÷ ₹150 × 12 = 4,000 Reward Points

HSBC Hopper for Flights

The hotel multiplier gets most of the attention, but flights also earn accelerated rewards.

The current advertised rates are:

• Privé and Premier: 6X
• TravelOne, Visa Platinum and RuPay Platinum: 4X

Because the underlying earn rates differ, the actual points earned differ as well.

Card	Hopper Flight Multiplier	Actual Earn Rate
HSBC Privé	6X	30 RP/₹150
HSBC Premier	6X	18 RP/₹100
HSBC TravelOne	4X	16 RP/₹100
HSBC Visa Platinum	4X	8 RP/₹150
HSBC RuPay Platinum	4X	8 RP/₹150

The accelerated reward rate is therefore worth looking at alongside the actual card earn rate, rather than treating the multiplier as the final reward rate.

How to Access HSBC Hopper on Mobile

You can access Travel with Points directly through the HSBC Mobile App.

Steps

1. Open the HSBC Mobile App.
2. Select your Credit Card.
3. Tap View More.
4. Go to Reward Points.
5. Tap Redeem Points Now.
6. This opens the HSBC Rewards Marketplace.
7. Select the Travel with Points tab.
8. Search for your flight, hotel or car rental.
9. Complete the booking using your eligible HSBC card or available Reward Points.

HSBC’s current instructions follow this route through the Rewards Marketplace.

How to Access HSBC Hopper on PC

If you’re comparing several flights or hotels, using a laptop or desktop can be much more convenient.

First, make sure your registered mobile number and email ID are updated in the HSBC Mobile App.

Update your details

1. Open the HSBC Mobile App.
2. Select your Credit Card.
3. Tap View More.
4. Go to Reward Points → Redeem Points Now.
5. Tap the Profile icon.
6. Go to My Account → My Profile.
7. Make sure your registered mobile number and email ID are correct.

Log in on your computer

1. Open the HSBC Rewards Portal on your desktop or laptop.
2. Click Forgot Password.
3. Set or reset your password.
4. Your registered email ID is your User ID.
5. Log in using your registered email ID and the new password.
6. You can now browse, compare and book flights and hotels on the larger screen.

HSBC Rewards Portal: rewards.hsbc.co.in

For anyone comparing multiple hotel options, the desktop interface can be considerably easier to use.

Best Price Guarantee

The other feature that makes HSBC Hopper interesting is the Best Price Guarantee, or BPG.

The idea is simple.

If you find a lower rate for an eligible identical booking within 24 hours of making your booking, HSBC can refund the difference as travel credits.

NOTE: Best Price Guarantee is capped at ₹1,500 per booking.

HSBC says the amount is provided as travel credits in the Travel with Points wallet for a subsequent booking.

Don’t Use BPG as an Excuse to Skip Price Comparison

This is probably the most important thing to remember.

Hopper isn’t automatically the cheapest place to book.

Suppose a hotel costs:

• Hopper: ₹20,000
• Another portal: ₹18,500
• Additional reward value on Hopper: ₹1,000

Even with the additional rewards, the Hopper booking may not make sense.

On the other hand:

• Hopper: ₹20,000
• Another portal: ₹19,700
• Additional reward value: ₹1,500

Now Hopper could be the better option.

The right calculation is:

Hopper price + value of rewards + value of applicable benefits

versus

Alternative price + rewards/benefits available there

This is especially important because the BPG is capped at ₹1,500.

There Are Also Convenience Fees

HSBC currently lists:

Booking	Convenience Fee
Domestic flight	₹300 per customer per leg
International flight	₹700 per customer per leg

The portal prices bookings in INR, so HSBC says there are no foreign exchange fees on these bookings.

This fee should be included when you’re comparing Hopper’s final price with other booking options.

For hotels, there is no equivalent flight-style per-leg convenience fee listed on the HSBC Travel with Points page.

Other Hopper Benefits

The portal also offers additional travel features, depending on the booking.

a) Cancel for Any Reason

Eligible bookings can have an option to cancel flights or hotels up to 3 hours before departure/check-in and receive up to a 100% refund, subject to the applicable terms.

b) Premium Disruption Assistance

Hopper can assist with rebooking in case of flight delays or cancellations.

c) 24/7 Customer Support

HSBC provides dedicated support for Travel with Points bookings.

These features can add value, but their availability and conditions can vary by booking.

Can You Use HSBC Reward Points?

Yes.

Travel with Points also allows you to use your HSBC Reward Points towards eligible travel bookings.

You can:

• Use points to offset the entire booking, where sufficient points are available.
• Use points towards part of the booking.
• Pay the remaining amount using an HSBC credit or debit card.

HSBC also allows eligible points to be transferred to airline and hotel loyalty programmes, so compare the redemption value before deciding how to use your points.

Who Benefits the Most?

a) HSBC Privé

Privé gets the highest effective hotel earning rate among the five cards.

The 12X hotel multiplier combined with its underlying earn rate results in 40 RP per ₹150.

For large hotel bookings, that’s a very substantial number of points.

b) HSBC Premier

Premier also gets 12X on hotels.

With its 3 RP/₹100 base rate, this works out to 36 RP per ₹100 on eligible hotel bookings.

c) HSBC TravelOne

This is where things get particularly interesting for a broader audience.

TravelOne gets 6X on hotels, but its underlying rate means that this works out to 24 RP per ₹100.

That’s substantially better than the Platinum cards despite both categories being advertised as 6X.

d) HSBC Visa Platinum and RuPay Platinum

Both Platinum cards receive the same 6X hotel multiplier.

However, their base rate is 2 RP per ₹150, which means the effective rate is 12 RP per ₹150.

So while the headline multiplier looks identical to TravelOne, the actual points earned are considerably lower.

Is HSBC Hopper Worth It?

Yes, it is definitely worth checking.

But “check” is the key word.

Don’t make Hopper your automatic booking platform simply because you see a 6X or 12X multiplier.

The biggest attraction is the combination of:

Competitive price + accelerated rewards + BPG + Hopper benefits

If those work together, Hopper can be excellent value.

If the Hopper price is substantially higher, the additional reward points may not make up the difference.

Frequently Asked Questions

Final Verdict

HSBC Hopper is one of those benefits that is worth checking every time you book travel, but not blindly using every time.

The headline 6X and 12X figures look impressive, but the real story is in the underlying card rates.

And then there’s the Best Price Guarantee, which gives you some protection if you find a lower eligible price elsewhere, although the ₹1,500 cap means you should still compare prices upfront.

So our approach at Great.cards is simple:

Check Hopper. Compare the price. Calculate the actual rewards. Then book wherever the overall value is best.

Sources

• HSBC Travel with Points official page
• HSBC TravelOne Rewards
• HSBC Premier Rewards
• HSBC Visa Platinum Rewards
• HSBC Rewards Marketplace Terms & Conditions: Available under “Important Documents” on the HSBC Travel with Points page.

Reward rates, fees, limits and benefits are subject to change. Please check the latest HSBC terms and conditions before making a booking.